| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 110 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | LINCOLN FINANCIAL GROUP -3854 | $3K | $4K | $7K | 12.08% |
| ASSUREX3 Filed as: ASSUREX AGENCY INC | 175 SOUTH THIRD ST STE 800 COLUMBUS, OH 43215 | LINCOLN FINANCIAL GROUP -3854 | — | $194 | $194 | 0.36% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | LINCOLN FINANCIAL GROUP -2230 | $2K | $1K | $4K | 22.18% |
| ASSUREX3 Filed as: ASSUREX AGENCY INC | 175 SOUTH THIRD ST STE 1500 COLUMBUS, OH 43215 | LINCOLN FINANCIAL GROUP -2230 | — | $64 | $64 | 0.39% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES OSWALD CO | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | LINCOLN FINANCIAL GROUP -5327 | $2K | $669 | $2K | 21.59% |
| ASSUREX3 Filed as: ASSUREX AGENCY INC | 175 SOUTH THIRD ST STE 800 COLUMBUS, OH 43215 | LINCOLN FINANCIAL GROUP -5327 | — | $36 | $36 | 0.35% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | LINCOLN FINANCAIL GROUP -5328 | $953 | $663 | $2K | 16.96% |
| THE JAMES B OSWALD COMPANY3 Filed as: THE JAMES B OSWALD CO | 1100 SUPERIOR AVE STE 1500 CLEVELAND, OH 44114 | LINCOLN FINANCIAL GROUP -5326 | $1K | $627 | $2K | 19.08% |
| ASSUREX3 Filed as: ASSUREX AGENCY INC | 175 SOUTH THIRD ST STE 800 COLUMBUS, OH 43215 | LINCOLN FINANCIAL GROUP -5326 | $0 | $34 | $34 | 0.36% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| AETNA LIFE INSURANCE COMPANY EIN 06-6033492 CONTRACT ADMINISTRATOR | Contract Administrator Service code 13 | 151 FARMINGTON AVENUE HARTFORD, CT 06156 | $86K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 207 | Currently employed and enrolled or eligible. |
| Total participants (= "Plan participants" tile) | 207 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | LINCOLN FINANCIAL GROUP -3854 | 106 | $55K |
| Vision | LINCOLN FINANCAIL GROUP -5328 | 86 | $10K |
| Life insurance(2 contracts, 2 carriers) | LINCOLN FINANCIAL GROUP -2230 | 139 | $26K |
| Long-term disability | LINCOLN FINANCIAL GROUP -5327 | 45 | $10K |
| Other | LINCOLN FINANCIAL GROUP -5326 | 139 | $9K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 139 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.